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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · VA
Assumable Loan + Second
Assumable · VA
Current Market Conventional
New · Conventional
Loan amount$157,320$157,320$193,410
Remaining term (yrs)22.622.630.0
Secondary amount$0$36,090$0
Funding fee$787$787$0
Note rate4.06%4.06%7.18%
Blended rate4.06%4.982%7.42%
1st payment$883.70$883.70$1,310.23
2nd payment$0.00$270.68$0.00
Taxes / mo$203.75$203.75$203.75
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$38.68
HOA / mo$340.00$340.00$340.00
Total monthly$1,577.45$1,848.13$2,042.66
Cash to close$57,580$21,490$21,490